09/29/2026
Most businesses plan their IT budget in October. Most get it wrong.
Not because they don't care β because they're budgeting reactively. They look at what IT cost this year and add 5%. They don't budget for what IT should cost. They don't account for the lifecycle of what they're running. And they definitely don't think about the compliance or security requirements that changed this year and need to be funded next year.
Here's what a Q4 IT budget review should actually cover:
π Hardware lifecycle β what's reaching end-of-life in 2027? A server that fails in March is not a budget line you planned for. It's a crisis. Catching it in October is the difference.
π Software and licensing β what's renewing, what changed, what do you actually use? Most organizations are paying for licenses they stopped needing after a departure or a workflow change.
π Security gaps β what controls does your cyber insurer require that you don't have? What did your last assessment surface that never got funded? Budget it now or explain it to the underwriter at renewal.
π Compliance requirements β NYDFS, HIPAA, CT SHIELD β any regulatory changes in 2026 that require investment in 2027? These don't get cheaper by waiting.
π Growth planning β new hires, new locations, new software β what's the IT cost of next year's business plan? IT should be in the room when the business plan is set, not handed it after the fact.
The businesses that handle IT costs best treat IT as a planned, budgeted line β not a surprise. A 90-minute conversation in October is worth significantly more than an emergency procurement call in February.
Full guide on the blog β including a Q4 IT planning checklist you can use right now.
π mooretechnologyconsulting.com/blog/q4-it-budget-planning-guide
DM me "MANAGED" and I'll walk you through what a 2027 IT budget should look like for a business your size.
π Moore Technology Consulting Β· Westport, CT Β· White Plains, NY
π mooretechnologyconsulting.com